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Our experienced legal team can determine if you qualify for bankruptcy protection in Washington state, and if filing may be the right financial move for you. Call us today for a free initial case evaluation.
Questions about qualifying for bankruptcy?
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If you’re caught up in a cycle of insurmountable debt, bankruptcy may be the best way to eliminate debt, repair your credit score, and get a fresh start financially. However, before you can petition the court for bankruptcy, you have to determine whether you qualify. If so, do you qualify for Chapter 7 or Chapter 13 bankruptcy?
To file for bankruptcy in Washington State, you must live in the federal district where you intend to file for at least 90 days. As an Olympia resident, this means that you will file in the United States District Court for the Western District of Washington. There are two court locations – Tacoma and Seattle.
Filing for bankruptcy does not automatically mean you qualify, so it’s important to talk to one of our Olympia lawyers ahead of time. First, you need to figure out whether filing for bankruptcy is in your best interests. Your lawyer will then help you determine whether you qualify for Chapter 7 or Chapter 13 bankruptcy, based on a means test. If you earn more than the Washington State median income, Chapter 13 is your only option. If you filed for Chapter 7 bankruptcy during the last 8 years, you will not be able to file again.
Contact our law office and speak to one of our experienced Olympia bankruptcy attorneys today. Your consultation is free and they will help you find the answer to your question, “Do I qualify for bankruptcy?”
Our Thurston County debt relief lawyers not only serve Olympia, but all surrounding cities as well. These include but are not limited to the residents of Lacey, Tumwater, Yelm, Rainier, and Rochester.
Our Thurston County bankruptcy lawyers will first review your financial situation.
Even if you qualify for bankruptcy, you are required to take a credit counseling course before you petition the court. Your Olympia bankruptcy lawyer will administer a means test, which will determine whether you earn more than the Washington State median income and help determine your ability to file. Finally, if you intend to file Chapter 13, you must be able to maintain the monthly payments of your debt consolidation plan.
If you meet all of these criteria, then your Olympia bankruptcy attorney can petition the court on your behalf. We handle countless bankruptcy cases every year, which makes us uniquely qualified to help you seek lasting debt relief.
Olympia, Washington, bankruptcy qualifications, and you.
If you’re wondering whether you qualify for bankruptcy, you can find some useful information on the on the Bankruptcy Court website. This page in particular deals with preparations you should make before filing.
Olympia is a great place to live and there are numerous business and employment opportunities for anyone that wants to work. However, sometimes circumstances beyond one’s control make it impossible to keep up with bills. When this happens, bankruptcy is an opportunity to hit the financial reset button and start over. Our Thurston County bankruptcy lawyers can help you determine whether you qualify.
What happens after I file for bankruptcy?
First, all collections stop. This includes repossessions, foreclosures, tax debt collection, wage garnishment and all collection of unsecured debt. Creditors and collection agencies can no longer contact you for any reason. You don’t have to worry every time your phone rings, wondering if it’s another bill collector trying to take what little money you have.
Your bankruptcy attorney will guide you through the rest of the process, which is relatively straightforward. Our goal is to maximize the amount of debt you’re able to discharge so that you can make the most of your second chance.
If you earn below the median Washington income, you can file Chapter 7, and if it’s over you may be able to file Chapter 13. With the former, all unsecured debt, like credit cards and medical bills, are completely discharged. With the latter, most of all of your unsecured debt will likely be discharged, but we need to take a hard look at your finances before we can make any such determination.
Are you ready to find out if you qualify for bankruptcy?
If so, our Olympia bankruptcy attorneys offer a free consultation. We will review your finances and let you know whether you qualify. If so, you have the opportunity to eliminate debt, restore your credit score, and possibly even stop your home from imminent foreclosure. Creditors will no longer be able to harass you, and you can enjoy a life free from burdensome debt.
FREE evaluation from our Olympia bankruptcy attorneys – contact us today!
Contact our law office today for a free consultation and take the first step toward a better financial future.
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